The CB relay lets you link your personal bank card to your Swile card (not to be confused with the personal account). This allows you to:
Pay more than €25 in a single transaction for meal voucher payments
Make it easier to pay for your transport subscription if you have mobility vouchers
A hold may appear on your bank account
The selected amount will be subject to a bank hold (be careful not to set too high an amount). Don’t worry, even if the hold appears on your account, you won’t be charged. The funds are simply reserved in case they’re needed.
🧐 How do I activate the CB relay?
- In your Swile account, go to the Cards menu.
- Click on CB Relay then select the bank card you want to link. If it’s not already saved, add it by clicking Add a bank card
- Set the maximum excess amount per transaction with your bank card. The option will be activated within 2 hours.
Watch the video for a step-by-step guide 👇
All cards are accepted (Visa, MC, AMEX and CB) as long as they were issued within the European Union
You can’t set up the option on a Sunday or a public holiday
- A €1 authorisation may be requested when linking your card to check it’s valid. This hold will be released within 7 days
💸 How do I use the CB Relay?
Pay the bill with your Swile card, even if it’s over the legal daily limit (€25). The meal voucher part will automatically be taken from your Swile account, and the rest will be charged to the bank card you’ve linked to your Swile account.
Remember, your personal bank card is just a top-up to your daily meal voucher balance. It’s only used if you don’t have enough balance or hit the legal limit.
📌 Example: You need to pay €27 at a restaurant. Instead of making two payments, link your bank card. In one go, €25 will be taken from your Swile account, and €2 from your bank account.
👉 With the Swile card: the CB relay doesn’t work for gift vouchers or Holiday Benefits. You can use your card up to your available balance. If your purchase is more than your Swile balance, pay part with your Swile card and the rest with another payment method.
👉 On the Swile shop: if your purchase is more than your gift voucher / Holiday Benefits balance, you can pay the difference with your personal bank card.
The CB relay is available for commuting. At a shop specialising in sustainable transport (e.g. a bike shop) or at a transport terminal, pay with your Swile card. The maximum amount will be taken from your mobility vouchers, and the rest will automatically be charged to your bank card. To find out more about your benefits, check our FAQ here.
👇 Your questions answered
- If you register a card from a neobank (Revolut, N26, etc.) you’ll get a notification every time a hold is placed. Don’t worry, it’s not a charge.
- The hold is automatically renewed after you use the option for a payment, or after 7 days. If you deactivate the option, the hold will disappear within 7 days
The option may deactivate automatically if the hold amount is too high. We recommend lowering the amount you’ve set for the CB relay.
Card payments under €0.50 aren’t allowed. To make things easier, we’ll adjust the split between meal vouchers and your personal bank card.
📌 Example: If you make a payment of €25.30 (with a daily balance of €25), the amount taken from your meal vouchers will be adjusted to €24.80 to ensure the minimum €0.50 is charged to your personal bank card (€24.80 + €0.50 = €25.30).
👉 Another option without a bank hold
To top up your payments without a bank hold, you can add funds to your Swile personal account. You’ll need to verify your profile first. To find out more about the personal account, see: Swile personal account 🚀
Comments
0 comments